Appraisal services for Jacksonville and Onslow County homeowners

Here are the top 7 reasons why NC homeowners use Summerlin Ins & Realty:

Pre-listing appraisals (whether they're selling the home themselves or using an agent)
Challenge property tax assessments
To lower a monthly mortgage payment by removing PMI
Reinstate your Home Equity Line of Credit (or HELOC)
Review a different appraiser's report for verification
In the case of a NC divorce, when real estate property needs to be divided
Settle an estate in NC by determining the true market value of real estate in question

Own a home in or near Jacksonville, NC and need help determining the value of it?
Contact Summerlin Ins & Realty.

At Summerlin Ins & Realty, we understand the special needs of a customer looking for appraisal services. Our customary business clients get the appraisal process and the customary reporting formats. Being a regular person not in the real estate field that ordinarily doesn't see an appraisal on a regular basis,you can expect extra guidance and explanations through the appraisal process to more clearly understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your house will attract buyers. The appraisal is something tangible to show the buyer. It's an independent third party's opinion of your home's value, and not just you saying how much your home is worth. Potential buyers assume that you have an emotional attachment to your home and will be much more likely to give credibility to a seasoned appraiser's value assessment than yours.

Need to cancel PMI?

A preferred money saver for homeowners is getting the PMI eliminated from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your home. In most cases you can apply to a lender to have the PMI removed from your loan. At Summerlin Ins & Realty, we're seasoned in helping folks just like you delete unnecessary PMI insurance.

Challenge Onslow county's assessment of your property

If you live in an area that is going down or not appreciating as much as other properties nearby, your local tax assessor may have your house overvalued. This only means you are paying higher taxes than you should be paying. Since your property assessment may likely go up again in the next period, the earlier you take care of things like this, the better. When contesting your property tax assessment, getting an appraisal from Summerlin Ins & Realty is your #1 weapon.

Was your HELOC recently frozen?

Even if your specific property has not declined in value, your lender just may choose to automatically freeze your home equity line of credit (HELOC) if your property is in a declining area. Not only can this be difficult and inconvenient from a cash flow point of view, but it can be unfavorable to your credit score since it may appear as though that credit line is maxed out. Summerlin Ins & Realty can provide you with a professional appraisal to help you reinstate your home equity line of credit.

Need Field and Desktop Appraisal Review Services?

Have you just been given a copy of your appraisal and you would wish to have a seasoned appraiser double-check it for efficiency or do you need a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Summerlin Ins & Realty can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal you may have had in the past. Even though this is typically requested by banks, you may wish to make use of this service if you suspect mortgage fraud related to your home.